Tompkins Financial Valuation
| TMP Stock | USD 68.77 4.87 6.61% |
At this time, the company appears to be overvalued. Tompkins Financial has a current Real Value of $64.03 per share. The regular price of the company is $68.77. Our model measures the value of Tompkins Financial from inspecting the company fundamentals such as Shares Outstanding of 14.39 M, operating margin of 0.33 %, and Return On Equity of 0.0995 as well as reviewing its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Tompkins Financial's valuation include:
Price Book 1.3751 | Enterprise Value 1.5 B | Price Sales 3.4566 | Trailing PE 14.8211 | Enterprise Value Revenue 5.288 |
Overvalued
Today
Please note that Tompkins Financial's price fluctuation is very steady at this time. Calculation of the real value of Tompkins Financial is based on 3 months time horizon. Increasing Tompkins Financial's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Tompkins Financial's intrinsic value may or may not be the same as its current market price of 68.77, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 68.77 | Real 64.03 | Target 51.0 | Hype 73.18 |
The intrinsic value of Tompkins Financial's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence Tompkins Financial's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of Tompkins Financial helps investors to forecast how Tompkins stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Tompkins Financial more accurately as focusing exclusively on Tompkins Financial's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Tompkins Financial's intrinsic value based on its ongoing forecasts of Tompkins Financial's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Tompkins Financial's closest peers.
Tompkins Financial Cash |
|
Tompkins Valuation Trend
Tompkins Financial's real value is important for investors to make better decisions and a more accurate overall view of Tompkins Financial's financial worth over time. Using both Tompkins Financial's enterprise value as well as its market capitalization is the best way to gauge the value of the company and is usually enough for investors to make market timing conclusions.
Tompkins Revenue by Product
Tompkins Financial Total Value Analysis
Tompkins Financial is at this time expected to have company total value of 1.47 B with market capitalization of 989.85 M, debt of 602.1 M, and cash on hands of 80.39 M. Please note that company total value may be misleading and is a subject to accounting gimmicks. We encourage investors to carefully check all of the Tompkins Financial fundamentals before making security assessment based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
1.47 B | 989.85 M | 602.1 M | 80.39 M |
Tompkins Financial Investor Information
About 66.0% of the company shares are owned by institutional investors. The company has price-to-book ratio of 1.38. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. Tompkins Financial has Price/Earnings To Growth (PEG) ratio of 2.46. The entity last dividend was issued on the 8th of November 2024. The firm had 11:10 split on the 3rd of February 2010. Tompkins Financial may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Operating Profit Margin | 0.0549 | 0.0578 |
|
| |||||
| Total Cash From Operating Activities | 54.5 M | 89 M |
|
| |||||
| Operating Income | 11.4 M | 12 M |
|
|
Tompkins Financial Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The latest return on assets of Tompkins connotes not a very effective usage of assets in December.Tompkins Financial Ownership Allocation
The market capitalization of Tompkins Financial is $989.85 Million. Over half of Tompkins Financial's outstanding shares are owned by institutional holders. These institutional holders are typically referred to as corporate investors that take positions in a given instrument to benefit from reduced trade commissions. Note, that even with substantial debt, if the true value of the company is larger than the current market value, you may still be able to generate positive returns on investment in this company at some point.Tompkins Financial Profitability Analysis
The company reported the last year's revenue of 297.36 M. Total Income to common stockholders was 9.51 M with profit before taxes, overhead, and interest of 305.46 M.Tompkins Financial Past Distributions to stockholders
About Tompkins Financial Valuation
The stock valuation mechanism determines Tompkins Financial's current worth on a daily basis. In general, an absolute valuation approach attempts to find the value of Tompkins Financial based exclusively on its fundamental and basic technical indicators. As compared to an absolute model, our relative valuation model uses a comparative analysis of Tompkins Financial. We calculate exposure to Tompkins Financial's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Tompkins Financial's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 297.4 M | 312.2 M | |
| Pretax Profit Margin | 0.06 | 0.05 | |
| Operating Profit Margin | 0.06 | 0.05 | |
| Net Profit Margin | 0.04 | 0.04 | |
| Gross Profit Margin | 0.96 | 0.92 |
Tompkins Financial Quarterly Retained Earnings |
|
A single share of Tompkins Financial represents a small ownership stake in the entity. As a stockholder of Tompkins, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Tompkins Financial Dividends Analysis For Valuation
As of 12/19/2024, Dividend Payout Ratio is likely to grow to 3.81, though Dividends Paid is likely to grow to (32.8 M). . At this time, Tompkins Financial's Retained Earnings are relatively stable compared to the past year. As of 12/19/2024, Price Earnings Ratio is likely to grow to 94.84, while Retained Earnings Total Equity is likely to drop slightly above 303.4 M.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | -34.5 M | -32.8 M | |
| Dividend Yield | 0.04 | 0.03 | |
| Dividend Payout Ratio | 3.63 | 3.81 | |
| Dividend Paid And Capex Coverage Ratio | 2.16 | 1.90 |
There are various types of dividends Tompkins Financial can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Tompkins shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Tompkins Financial directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Tompkins pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Tompkins Financial by the value of the dividends paid out.
Tompkins Financial Growth Indicators
Investing in growth stocks can be very risky. If the company such as Tompkins Financial does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 14.3 M | |
| Quarterly Earnings Growth Y O Y | 0.864 |
Tompkins Financial Current Valuation Indicators
Tompkins Financial's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final Tompkins Financial's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Tompkins Financial, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Tompkins Financial's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Tompkins Financial's worth.Additional Tools for Tompkins Stock Analysis
When running Tompkins Financial's price analysis, check to measure Tompkins Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Tompkins Financial is operating at the current time. Most of Tompkins Financial's value examination focuses on studying past and present price action to predict the probability of Tompkins Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Tompkins Financial's price. Additionally, you may evaluate how the addition of Tompkins Financial to your portfolios can decrease your overall portfolio volatility.